Financial Stability Ratings®

Insurance Sectors We Serve:

"Joe Petrelli's native ability to assess, evaluate and rate experience and factual data objectively is one asset whose strength is off the charts! He has practiced and preached his faith in transparency and accountability before the business schools and business got religion."Steve Acunto, Insurance Advocate

NAIC Annual Statements of the Insurer, its Parent, Subsidiaries and Affiliates

NAIC Quarterly Statements of the Insurer, its Parent, Subsidiaries and Affiliates

Statements of Actuarial Opinion

Management's Discussion and Analysis

Financial Examinations prepared by Departments of Insurance

Independent Audits

Copies of Reinsurance Treaties.

Step 2: Financial Ratio Calculation

A major determinant of the financial stability of a Title underwriter is our evaluation of critical financial stability ratios benchmarked against our financial stability tests and the representative historical operating results of the insurer. The calculations underlying our review process have been verified and substantiated by subjecting a series of solvent and insolvent underwriters to our battery of ratios and tests to assess the predictability and reliability of our analysis process. Our Financial Stability Analysis Model identified virtually all underwriters that became insolvent at least one year in advance of formal regulatory action.

Step 3: Review PFSR

The Title underwriter has an opportunity to review the assignment of its Preliminary Financial Stability Rating® (PFSR).

Step 4: Finalize assigned FSR

The Title underwriter agrees with the assignment of FSR as well as other terms and conditions.

Step 5: Additional Information and Quarterly Reviews

Financial Stability Ratings® are reviewed quarterly and reassigned as verified. The process includes our initial review, quarterly monitoring and twelve months of support related to inquiries from lenders, agents, insureds and prospective insureds.